Texas recently became the 18th state to create a K-12 education savings account that lets families spend state-funded dollars on private tuition and other educational items. Florida has two such programs, while Tennessee has three.

None of these state-level education savings accounts is to be confused with federal 529 savings accounts, which allow families to put aside earnings tax-free for education expenses. This can include up to $10,000 a year, per child, for K-12 tuition.

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Then there are the Health Savings Accounts, the Health Flexible Spending Arrangements, the Health Reimbursement Arrangements, and the Medical Savings Accounts, all of which are tax-advantaged health benefit accounts that let individuals or employers set aside money to pay qualified medical expenses. The plans all have dizzying........

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